Climate Risk Summary

Petoskey, MI Risk Profile

The primary drivers of climate-related financial risk in Petoskey, MI are Cold Wave, Inland Flooding, and Tornado.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Petoskey.

Primary Risks

Cold Wave

$450,506

Expected Annual Loss for Petoskey

92.5Score

Very High compared to US average

Petoskey

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$443,843

Expected Annual Loss for Petoskey

28.1Score

Relatively Moderate compared to US average

Petoskey

Minimal Estimated LossMax Estimated Loss

Tornado

$64,325

Expected Annual Loss for Petoskey

47.1Score

Relatively Moderate compared to US average

Petoskey

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Cold Wave

$450,506

Score: 92.5

MAJOR DRIVER

Inland Flooding

$443,843

Score: 28.1

MAJOR DRIVER

Tornado

$64,325

Score: 47.1

Lightning

$20,474

Score: 63.3

Hail

$18,708

Score: 63.7

Strong Wind

$13,981

Score: 40.7

Heat Wave

$8,358

Score: 9.5

Winter Weather

$2,457

Score: 45.8

Ice Storm

$1,571

Score: 18.1

Coastal Flooding

$989

Score: 77.2

Earthquake

$928

Score: 4.5

Hurricane

$397

Score: 26.9

Wildfire

$248

Score: 47.5

Landslide

$78

Score: 76.5

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.5

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.3

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 63.7

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.2

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 76.5

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Bay View Boyne City Charlevoix East Jordan Harbor Springs

Zip Codes in Petoskey

49770